Community Trust Bancorp
Runs community banking, lending, and trust services across Kentucky and nearby Appalachian markets.
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Profile
Combines a commercial bank with a trust company, offering deposits, loans, cash management, wealth, brokerage, and insurance services across Kentucky, southern West Virginia, and northeastern Tennessee. A single operating-segment structure keeps the business tied to local-market banking relationships.
Runs a Pikeville-based community banking platform built around Community Trust Bank and Community Trust and Investment Company. Core services include deposits, commercial and personal lending, cash management, trust administration, wealth management, brokerage, and insurance.
Serves small and mid-sized communities across Kentucky, southern West Virginia, and northeastern Tennessee, with the franchise tracing back to Pikeville National Bank. Execution centers on relationship deposits, local lending, and trust services delivered through an established branch network.
Operates as a Kentucky bank holding company under Federal Reserve oversight, with internal decisions made as a single operating segment. Loan performance and funding depend on economic conditions in its Appalachian and Central Kentucky markets.
Company facts
Categories
Key statistics
Year to date +36.0% · Average volume (30d) 108.4K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 16, 2026 | Raymond James | Reiterate | Outperform | $61 | $82 |
| Jul 16, 2026 | Piper Sandler | Reiterate | Neutral | $76 | $81 |
| Jun 11, 2026 | Piper Sandler | Target | $76 | ||
| Oct 15, 2025 | Raymond James | Target | $60 | $61 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 15, 2026Q2 FY26 | $1.52 | $1.64 | +7.9% | $76.9M | $78.5M | +2.1% | +2.60% |
| Apr 15, 2026Q1 FY26 | $1.39 | $1.50 | +7.9% | $73.0M | $74.2M | +1.6% | −1.97% |
| Jan 21, 2026Q4 FY25 | $1.43 | $1.51 | +5.6% | $74.0M | $74.7M | +1.0% | −3.08% |
| Oct 15, 2025Q3 FY25 | $1.38 | $1.32 | −4.3% | $71.9M | $71.5M | −0.5% | −4.08% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $97.0M | $101.7M | $104.5M | $106.1M | $103.2M | $108.8M | |
| Gross profit | $62.6M | $68.1M | $67.6M | $74.7M | $71.9M | $75.7M | |
| Operating income | $28.4M | $32.5M | $30.9M | $35.4M | $35.3M | $38.3M | |
| Net income | $22.0M | $24.9M | $23.9M | $27.3M | $27.2M | $29.6M | |
| Diluted EPS | $1.22 | $1.38 | $1.32 | $1.51 | $1.50 | $1.64 | |
| Gross margin | 64.6% | 67.0% | 64.7% | 70.4% | 69.7% | 69.6% | |
| Operating margin | 29.3% | 31.9% | 29.6% | 33.3% | 34.3% | 35.2% |
Fiscal years (4-quarter sums)FY21 $238.6M · FY22 $255.7M · FY23 $326.3M · FY24 $376.0M · FY25 $409.3M
Balance sheet, Jun 30, 2026Cash & short-term investments $205.7M · Total debt $377.5M · Total assets $6.99B · Shareholders' equity $891.8M
Dividends
Raised for 37 straight years — most recently to $0.53 from $0.47 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jul 1 | $0.53 | |
| Mar 13, 2026 | Mar 15 | Apr 1 | $0.53 | |
| Dec 15, 2025 | Dec 15 | Jan 2 | $0.53 | |
| Sep 15, 2025 | Sep 15 | Oct 1 | $0.53 | raised from $0.47 |
| Jun 13, 2025 | Jun 15 | Jul 1 | $0.47 | |
| Mar 14, 2025 | Mar 15 | Apr 1 | $0.47 | |
| Dec 13, 2024 | Dec 15 | Jan 2 | $0.47 | |
| Sep 13, 2024 | Sep 15 | Oct 1 | $0.47 | raised from $0.46 |
Ownership
Shares outstanding 18.16M · Float 16.69M · 91.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.78M | 9.82% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 1.19M | 6.54% | 13F | Aug 11, 2026 |
| Community Trust & Investment Co | 1.00M | 5.53% | 13F | Jul 8, 2026 |
| Vanguard Capital Management LLC | 684.0K | 3.77% | 13F | Aug 13, 2026 |
| American Century Companies Inc | 574.5K | 3.16% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 14, 2026 | Franky Minnifield | director | −3,900 | $78.85 |
| Mar 13, 2026 | Ricky D. Sparkman | officer: Executive Vice President | +84 | $58.50 |
Peers
- WesBanco
WV-KY community banking, trust, brokerage, and insurance overlap
- City
WV-eastern Kentucky community-bank and wealth overlap
- United Bankshares
Large WV-based bank overlap in deposits, lending, and wealth
- Stock Yards Bancorp
Kentucky commercial banking and wealth-trust overlap
- Republic Bancorp
Kentucky branch banking and commercial-consumer lending overlap
- FB Financial
Tennessee-Kentucky banking, mortgage, and trust overlap
- First Financial Bancorp
Ohio Valley banking and wealth-management overlap
- First Horizon
Large Tennessee regional bank with broad lending and wealth overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Community Trust Bancorp | $76.66 | −0.08% | $1.39B | 12.8 | 12.0 | 3.3 | +11.8% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| City | $143.46 | +0.03% | $2.02B | 15.7 | 15.2 | 5.3 | +7.7% |
| United Bankshares | $47.60 | +0.01% | $6.56B | 13.0 | 12.7 | 3.6 | +6.0% |
| Stock Yards Bancorp | $79.84 | −0.01% | $2.36B | 15.9 | 14.8 | 4.2 | +17.2% |
| Republic Bancorp | $94.90 | −0.15% | $1.66B | 14.7 | 13.9 | 3.3 | +9.7% |
| FB Financial | $57.85 | +0.03% | $2.98B | 15.5 | 11.8 | 2.9 | +18.5% |
| First Financial Bancorp | $32.84 | +0.09% | $3.44B | 11.6 | 10.2 | 2.6 | +16.7% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| Median | 13.8 | 12.2 | 3.1 | +9.8% |